what country are you in? SEPA was designed to be fast and free for all participating countries (EU+CH)
SEPA was designed to lower transfer fees between european countries to those of domestic national transfers which are not free, even same bank to bank transfer has a fee in place so I really don't know which bank you're using with free transfers. Also 4 days is not fast(friday, sat, sunday, monday) unless you live before 18th century when money was moved using horse carriages, in those times 4 days is pretty fast I agree.
In the UK you can bank transfer yourself stupid and it costs absolutely nothing. It arrives within the minute usually too. I'm not sure if my bank does SEPA but any transfer abroad is still pretty expensive.